The Open Enrollment 2011 period for State Health Benefits Program (SHBP) commenced on October 17, 2011 and will end on Nov 11, 2011. While employees can make only certain changes for themselves or their dependents for any qualifying life event throughout the year, during the Open Enrollment period employees have the opportunity to make general changes (adding or deleting dependents, changing coverage levels, etc.) or enroll in a different medical or dental plan. All changes to coverage made during this Open Enrollment period will be effective January 1, 2012 (plan year 2012).

Health Plan Designs and Rates

In addition to the current NJ Direct15, Aetna HMO, and CIGNA HealthCare HMO plans, several new plan designs are being offered for plan year 2012.

• Horizon Blue Cross Blue Shield of New Jersey (BCBSNJ), Aetna, and CIGNA will each offer two additional plan design options, which provide lower premiums in exchange for higher copayments, deductibles, and out-of-pocket amounts on services that are received.
• Horizon BCBSNJ, Aetna, and CIGNA will each also offer High Deductible Health Plans for employees and certain retirees.
• Employees who choose a high deductible health plan cannot be enrolled in the active Employee Prescription Drug Plan. Instead, prescription drugs are covered under the plan and are subject to a deductible.

Available Medical and Prescription Drug Plans

PPO Plans	HMO Plans	High Deductible Plans
1 ) NJ DIRECT15 with Prescription Drug	1) Aetna HMO with Prescription Drug	1) NJ DIRECT HD 4000
2) NJ DIRECT 1525 with Prescription Drug	2) Aetna 1525 with Prescription Drug	2) Aetna HD 4000
3) NJ DIRECT 2030 with Prescription Drug	3) Aetna 2030 with Prescription Drug	3) Cigna HD 4000
	4) Cigna HMO with Prescription Drug	4) NJ DIRECT HD 1500
	5) Cigna 1525 with Prescription Drug	5) Aetna HD 1500
	6) Cigna 2030 with Prescription Drug	6) Cigna HD 1500

Please follow the below links for comparison of various plan designs and premium rates.

• Plan Design Comparison Charts
• Premium rates

You can also use this calculator to compare your deductions under various plan designs.

Employees who are simply adding or deleting a dependent, or changing coverage levels should complete a Health Benefits Program Application and submit it to Human Resources as soon as possible and no later than Nov 11, 2011. Please carefully review the documentation requirements for enrolling a dependent, without proper documentation the enrollment application may not be processed.

No action is required if you do not wish to make any changes to your existing health plan.

Employees who wish to waive SHBP medical and prescription coverage must provide proof that they have other health care coverage. To waive coverage a SHBP State Employee Coverage Waiver Form and a Health Benefit Program Application must be completed and submitted by November 11, 2011. To waive coverage effective January 1st, employees should indicate “Open Enrollment” on the waiver form.

Dental Plans and Rates

Seven different dental plans are offered based on one of two different plan designs — Dental Plan Organizations (DPO) and a Dental Expense Plan.

• Six DPOs are available: Aetna DMO; BeneCare; CIGNA DHMO; Community Dental Associates; Healthplex; and Horizon Dental Choice. DPOs contract with a network of providers for dental services. When an employee or dependent uses a DPO dentist, diagnostic and preventive services are covered in full. Most other eligible expenses require a small copayment. Providers must participate with the DPO selected to receive coverage. Be sure to confirm that the dentist or dental facility selected is taking new patients and participates with the SHBP Employee Dental Plans, since DPOs also service other organizations.
• The Dental Expense Plan is changed from an indemnity type plan to a PPO plan that continues to allow members to obtain services from any dentist. After satisfying an annual deductible (no deductible for preventive services), members are reimbursed a percentage of the reasonable and customary charges for most services.
• Dental plan rates for plan year 2012 can be accessed here.

Employees who are simply adding or deleting a dependent, or changing coverage levels should complete a New Jersey Employee Dental Plans Application and submit it to Human Resources as soon as possible and no later than Nov 11, 2011. Please carefully review the documentation requirements for enrolling a dependent, without proper documentation the enrollment application may not be processed.

No action is required if you do not wish to make any changes to your existing dental plan.

Please note that employees must remain enrolled in a dental plan for a minimum of 12 months before they will be allowed to change plans. This means that if an employee was not enrolled in a dental plan as of January 1, 2011, they will not be permitted to change dental plans during this Open Enrollment period.

For more information on dental plan please visit the State's Employee Group Dental Plan website.

Additional Information

• Benefits Under the Domestic Partnership Act
• Coverage of Children Until Age 26
• Health Plan Coverage for Eligible Dependents (over age 26 and under 31) Chapter 375
• Notice of Privacy Practices to Enrollees in the State Health Benefits Program

Flex Spending Accounts (FSA): Tax$ave Program

The Open Enrollment period began October 1, 2011 and has been extended until November 11, 2011.

Employees who are eligible to participate in the State Health Benefits Program (SHBP) are eligible to participate in Tax$ave. Employees who already participate must re-enroll during this Open Enrollment period for calendar year 2012. Employees can also change their election amount (s) at any time during the open enrollment period by completing a new enrollment request.

Employees enrolled in the Un-reimbursed Medical or Dependent Care FSAs have until March 15 of the following year to incur eligible expenses for the current plan year and must submit the claims by April 30 of the following year.

Any contributions that remain in the account unclaimed after April 30 are forfeited.

The maximum annual allowance that can be set aside for the 2012 plan year is $2,500 for the Un-reimbursed Medical FSA and $5,000 for the Dependent Care Account.

For an updated list of expenses that are eligible under the FSA, please visit: www.myFBMC.com

Enrolling in a Flexible Spending Account

Internet (Preferred) : Employees can enroll in the Un-reimbursed Medical and/or Dependent Care FSA plans over the Internet at: www.myFBMC.com

The deadline for enrollment over the Internet is midnight, November 11, 2011.

Telephone: Employees may enroll in the Un-reimbursed Medical and/or Dependent Care FSA plans over the phone by calling Fringe Benefits Management Company’s automated Interactive Voice Response system at 1-866-440-7150. The deadline for enrollment by telephone is midnight, November 11, 2011.

Fax: FSA Enrollment Forms may be faxed by the employee to 1-850-514-5806. The deadline for accepting faxed enrollment forms is midnight, November 11, 2011.

Mail: FSA Enrollment Forms can be mailed by the employee directly to Fringe Benefits Management Company. The enrollment forms must be postmarked no later than November 11, 2011. Forms postmarked after November 11, 2011 will be returned without action.